USA TRAVEL VISA (B2) REJECTED AT MUMBAI CONSULATE

APPLYING FOR USA TOURIST VISA (B2)
SINGLE FEMALE
AGE 24
ANNUAL INCOME – 5 LPA
SPONSOR – MYSELF
Interview went as below:
After greeting VO (didn’t greet back or smiled),
VO – Pass your passport
VO: Have you ever traveled other country before?
ME: Yes mam, I went to Maldives last year
VO: With whom?
ME: with my office mates
VO: what are your friends doing in USA (mentioned about visiting my friends in ds 160) ME: Studying Masters at XXX university
VO: where do you work ?
ME: told
VO; How much expense you are expecting ?
ME: around 2 lacs out of which i have already paid for my flights and hotel stay.
Everything was going well until she asked next question.
VO: How much funds do you have ?
ME: Mam, i have 2.5 lacs in my savings account and 1.5 lacs in RD.
AT THIS MOMENT, SHE GAVE A VERY CREEPY AND DISAPPOINTED LOOK AT ME
VO: So are you going to put all your savings for this trip ?ME: Yes mam as i was planning and saving for this trip since long back and i so wanted to visit disney world and universal studios in Orlando.
SORRY YOU ARE NOT ELIGIBLE THIS TIME…HANDED ME A 214(B)
Can you please help me identifying exactly what went wrong ? i am thinking its only because of my low funds.
Also, please suggest how early i can apply and this time i am thinking to show around 10 lacs with my father as my sponsor (will change this in new ds 160) ? Will it help or what are the chances for getting it next time if i do this.
THANKS A LOT IN ADVANCE.

It’s clearly lack of funds. I think you shouldn’t have appeared for interview with low funds. Basically they verify that the individual who is going to USA will come back and have abundant of assets back in his/her country. Secondly, they check whether a person will be able to fund himself/herself during the visit. I think this was not the right time to apply for B2 visa.